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Citizens Financial Corp. (CIWV)
OTHER OTC:CIWV
US Market
CIWV
Citizens Financial
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Citizens Financial (CIWV) Ratios

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Citizens Financial Ratios

CIWV's free cash flow for Q1 2025 was $0.68. For the 2025 fiscal year, CIWV's free cash flow was decreased by $ and operating cash flow was $0.29. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 14.50 14.50 0.04 0.02 0.06
Quick Ratio
 14.50 14.50 0.04 0.02 0.06
Cash Ratio
 11.33 11.33 0.03 0.02 0.06
Solvency Ratio
 0.02 0.02 0.01 0.01 0.01
Operating Cash Flow Ratio
 0.00 15.28 0.02 0.01 0.01
Short-Term Operating Cash Flow Coverage
 0.00 15.28 0.00 0.00 0.00
Net Current Asset Value
$ -630.54M$ -630.54M$ -594.64M$ -595.17M$ -523.96M
Leverage Ratios
Debt-to-Assets Ratio
 0.03 0.03 0.03 0.03 0.03
Debt-to-Equity Ratio
 0.29 0.29 0.38 0.51 0.44
Debt-to-Capital Ratio
 0.22 0.22 0.28 0.34 0.31
Long-Term Debt-to-Capital Ratio
 0.21 0.21 0.28 0.34 0.31
Financial Leverage Ratio
 11.40 11.40 12.98 15.11 16.29
Debt Service Coverage Ratio
 0.94 0.72 0.53 0.66 2.66
Interest Coverage Ratio
 1.30 0.98 0.61 0.75 3.06
Debt to Market Cap
 0.24 0.30 0.45 0.59 0.50
Interest Debt Per Share
 15.54 17.38 19.70 18.28 10.57
Net Debt to EBITDA
 0.63 0.63 0.11 1.28 -1.48
Profitability Margins
Gross Profit Margin
50.67%65.33%62.45%67.78%88.17%
EBIT Margin
29.38%29.38%22.90%24.13%36.25%
EBITDA Margin
29.38%29.38%24.62%26.14%38.90%
Operating Profit Margin
29.38%29.38%22.90%24.13%36.25%
Pretax Profit Margin
29.38%29.38%22.90%24.13%36.25%
Net Profit Margin
23.00%23.00%18.13%19.31%28.79%
Continuous Operations Profit Margin
23.00%23.00%18.13%19.31%28.79%
Net Income Per EBT
78.28%78.28%79.20%80.02%79.42%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
1.44%1.44%1.13%0.96%1.11%
Return on Equity (ROE)
18.26%16.47%14.69%14.46%18.03%
Return on Capital Employed (ROCE)
1.85%1.85%12.63%10.65%11.60%
Return on Invested Capital (ROIC)
1.44%1.44%10.01%8.52%9.21%
Return on Tangible Assets
1.45%1.45%1.14%0.96%1.12%
Earnings Yield
13.24%17.38%17.45%16.73%20.54%
Efficiency Ratios
Receivables Turnover
 16.46 16.46 17.71 13.97 13.49
Payables Turnover
 0.00 0.00 0.00 0.00 0.00
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 5.48 5.48 5.12 4.35 3.77
Asset Turnover
 0.06 0.06 0.06 0.05 0.04
Working Capital Turnover Ratio
 -0.15 -0.16 -0.07 -0.06 -0.06
Cash Conversion Cycle
 22.17 22.17 20.61 26.14 27.05
Days of Sales Outstanding
 22.17 22.17 20.61 26.14 27.05
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 0.00 0.00
Operating Cycle
 22.17 22.17 20.61 26.14 27.05
Cash Flow Ratios
Operating Cash Flow Per Share
 0.00 7.23 5.85 4.25 4.11
Free Cash Flow Per Share
 0.00 6.99 5.20 3.24 3.76
CapEx Per Share
 0.00 0.24 0.65 1.01 0.35
Free Cash Flow to Operating Cash Flow
 0.00 0.97 0.89 0.76 0.92
Dividend Paid and CapEx Coverage Ratio
 0.00 5.80 3.82 2.32 3.57
Capital Expenditure Coverage Ratio
 0.00 29.68 9.01 4.20 11.77
Operating Cash Flow Coverage Ratio
 0.00 0.73 0.53 0.34 0.45
Operating Cash Flow to Sales Ratio
 0.00 0.29 0.25 0.23 0.32
Free Cash Flow Yield
0.00%21.33%21.45%15.43%20.91%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 7.56 5.75 5.73 5.98 4.87
Price-to-Sales (P/S) Ratio
 1.65 1.32 1.04 1.15 1.40
Price-to-Book (P/B) Ratio
 1.24 0.95 0.84 0.86 0.88
Price-to-Free Cash Flow (P/FCF) Ratio
 0.00 4.69 4.66 6.48 4.78
Price-to-Operating Cash Flow Ratio
 0.00 4.53 4.15 4.94 4.38
Price-to-Earnings Growth (PEG) Ratio
 6.07 0.17 0.28 -1.16 0.37
Price-to-Fair Value
 1.24 0.95 0.84 0.86 0.88
Enterprise Value Multiple
 6.24 5.13 4.33 5.70 2.12
Enterprise Value
 81.10M 66.75M 44.38M 48.15M 18.72M
EV to EBITDA
 6.24 5.13 4.33 5.70 2.12
EV to Sales
 1.83 1.51 1.07 1.49 0.82
EV to Free Cash Flow
 0.00 5.34 4.79 8.36 2.81
EV to Operating Cash Flow
 0.00 5.16 4.26 6.37 2.57
Tangible Book Value Per Share
 32.31 32.31 26.41 21.74 17.80
Shareholders’ Equity Per Share
 34.56 34.56 28.81 24.29 20.51
Tax and Other Ratios
Effective Tax Rate
 0.22 0.22 0.21 0.20 0.21
Revenue Per Share
 24.74 24.74 23.33 18.19 12.84
Net Income Per Share
 5.69 5.69 4.23 3.51 3.70
Tax Burden
 0.78 0.78 0.79 0.80 0.79
Interest Burden
 1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.00 0.00 <0.01 <0.01 0.02
Stock-Based Compensation to Revenue
 <0.01 0.00 0.00 <0.01 <0.01
Income Quality
 0.00 1.27 1.38 1.21 1.11
Currency in USD